You can get a quote and sign up for Expat health insurance online in just a few minutes. The process lets you confirm your eligibility and add dependents to your coverage. First-time customers create an account during sign-up, then confirm their personal details, choose a start date, provide payment information, and complete checkout. Pre-existing conditions do not need to be declared at sign-up, but they may be reviewed later if a related claim is submitted.
How do I get a quote and sign up for Expat health insurance?
You can sign up for Expat health insurance online in just a few minutes. The process is fully digital. During sign-up, you can confirm your eligibility and add dependents to your coverage. To sign up, follow these steps:
Select the country for which you need insurance (the country issuing your residence permit or visa).
Enter your details, including your date of birth, past or future arrival date in the country in question, occupation, and how long you plan to stay. This confirms your eligibility for Expat health insurance.
Check your quote, including coverage details.
Continue to sign up and create your account, or sign in if you already have one.
Confirm your personal details, including your preferred coverage start date and whether you have dependents to add.
Review your answers on the confirmation screen. Double-check that your name, email address, and date of birth contain no errors (Add your middle name to your first name, if you have one)
Provide your payment details.
Complete checkout to finalize your policy.
You do not need to upload any documents, and you'll be approved instantly.
Which countries is Expat health insurance available in?
Expat health insurance is available in Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Monaco, the Netherlands, Portugal, Romania, Slovakia, Slovenia, or Sweden.
If your primary residence is Germany, France, or Spain, refer to the dedicated help center article for that country instead.
Do I need to create an account to sign up for Expat health insurance?
If it's your first time signing up with us, you'll be asked to create an account during the sign-up process. The account is set up as part of the sign-up flow, so you don't need to register separately beforehand.
Can I add dependents when signing up?
You can add dependents to your policy after signing up for your own policy. You can also get a quote and review the plan details before completing your purchase.
Which occupation should I select during sign-up?
You should select the option that best describes your situation when you arrive in your selected country. The occupation question is used to verify your eligibility for Expat health insurance at sign-up. The available options are:
Have a job lined up: you have accepted a job offer in your new country of residence but have not started yet.
Employed: you are currently working under an employment contract there or elsewhere. If the company you work for has an office in that country and you have an employment contract from that country, you are considered to be employed there. If these conditions do not apply, select "No, elsewhere" to the follow-up question about whether you are employed in that country.
Self-employed: you work for yourself, including freelancers and independent contractors.
Student: you are enrolled in a course of study there.
Retired: you are no longer working and are fully retired.
Unemployed: you are not currently working.
Other: none of the above options accurately describe your situation.
All situations other than being employed are eligible for Expat health insurance. If you are transitioning between statuses, select the option that most closely reflects your situation upon arrival, or select "Other" if none apply.
Do I need to declare pre-existing conditions when signing up?
There is nothing to declare about pre-existing conditions when signing up for Expat health insurance. If you later submit a claim, we will review the doctor's detailed reports related to that claim to check whether the condition existed before the policy start date, or whether the diagnosis implies a condition that would have been pre-existing.